« matrix: warehouse lines of credit »
» post your loan: scotsmanguide.com/loanpost » search matrix: scotsmanguide.com/warehouse
COMPANY NAME
1 Size of line: Minimum
2 Size of line: Maximum
3 Personal/corporate/combined net worth requirement: Minimum
4 Annual origination volume: Minimum
5 Willing to train those new to warehouse lending
PROGRAM INFO
6 Flow
7 Bulk
8 Lien position: 1st
9 Lien position: 2nd
PRODUCTS
10 Construction
11 FHA / VA
12 Fannie Mae / Freddie Mac
13 HLTV programs
14 Home equity
15 Home improvement
16 Jumbo residential
17 Mixed-use properties
18 Nonprime
CONTACT
Min
1
Max
2
Min
10 11 12
13 14 15 16
PRODUCTS
17 18
display
Flagstar Bank
wholesale.flagstar.com
flagstar.com/ae
flagstarwarehouseapplications@flagstar.com
1M
60M
NA/75K/NA
NA
YYYY
YY
Y
NATIONWIDE Nationwide lender offering warehouse lines in all 50 states. Advantages include prime and Libor rate options, online requests and line reports and
paperless processing that increases efficiency and reduces costs.
Gateway Bank FSB
888-210-0002 x8606
www.gatewayfsb.com
Ed McGrath
ed.mcgrath@gatewayfsb.com
4M
30M
NA/1M/NA
100M
YYY
YY
Y
NATIONWIDE
Nation's top warehouse bank (Federal Savings Bank), Quick$ale®, off balance sheet (purchase facility), early wires, TPOs
Horizon Bank NA
219-877-0420
www.accesshorizon.com
Jeff Podgorny
JPodgorny@accesshorizon.com
3M
40M
NA/500K/1M
NA
Y
Y
Y
NATIONWIDE
Repurchase facility, early wires, TPOs
Tell lenders you found them in Scotsman Guide
1
Scotsman Guide makes every attempt to ensure the quality of matrix and directory information, which all listed lenders verify or update monthly. Because of the production cycle and dynamic nature of the industry, loan product
terms and availability may not reflect the latest changes. Please contact lenders directly for the most-recent program details. If you believe data is inaccurate or misrepresented, please e-mail: matrixfeedback@scotsmanguide.com.
2 3 4 5 6 7 8 9 10 11 12 13 14 15 Contact
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« tools & tips »
By Jeff Stalnaker
CEO
PrivacyStar
Take Back Your Life — and Your Smartphone
By eliminating unwanted calls and texts you can reclaim your mobile life
Mortgage brokers and loan originators use communica- tion skills to generate referral business, leads and relationships.
Without a smartphone, many would
struggle to accomplish these vital
tasks. Smartphones aren’t without
their flaws, however. the most glaring
of these is their inability to identify and
stop unwanted calls.
as landline usage decreases and
business professionals use their smartphones for seemingly all communication, telemarketers and data-providers
vigorously chase cellphone numbers. In
many cases, they seek this information
from e-mail signature lines and business cards.
Consequently, many business professionals now find themselves fielding more junk phone calls and wasting
time dealing with aggressive telemarketers. In many situations, the inability
to identify and block telemarketers can
be detrimental, causing mortgage professionals to:
• interrupt an important meeting to
answer a meaningless phone call;
• ignore important calls from unrec-
ognized phone numbers; and
• Become aggravated by repeated
calls from the same telemarketer.
Some mortgage professionals may
find themselves torn when dealing with
these issues. after all, many salespeople begin their careers by making cold
calls. Nonetheless, the ability to manage your incoming calls is a key step in
ensuring the best-possible communication with clients, real estate professionals, business partners, and just about
everyone else in your personal and
professional life. to do this, consider
adding an application to your phone
that blocks telemarketing calls and
identifies callers even when they’re not
saved in your phone.
“Any caller ID service you
pay for should also provide
identification information for
incoming text messages.”
When shopping for such a service,
seek the following features:
• caller id: Select an application that
provides the same type of caller ID
functionality traditionally found
on landlines. at the least, it should
provide you the name and phone
number of every caller. the best
services tap outside databases and
display detailed information the
moment your phone begins to ring.
Moreover, any caller ID service you
pay for should also provide identi-
fication information for incoming
text messages. Many telemarketers
now use the Internet and Voice over
Internet Protocol (VoIP) to gener-
ate mobile spam. as a result, more
people receive text messages from
unknown callers.
Jeff Stalnaker is CEO of PrivacyStar, which
offers a smartphone application that provides
users with ultimate control of their smartphone by delivering net work-based privacy
and preference services. PrivacyStar users
have blocked more than 120 million calls and
filed more than 150,000 complaints directly to
the Federal trade Commission. For more information about PrivacyStar, visit privacystar.
com. Stalnaker formerly held numerous senior-level positions in the finance, accounting and
telecommunications industries. Reach him at
jstalnaker@firstorion.com or (501) 205-4169.
